Westpac Altitude Credit Card – Rates and Fees

Enjoy 1 in 3 Uber rides free, up to $250, until 31 August 2018 and earn points as you spend with the Westpac Altitude credit card.

No longer offered in the market

The Westpac Altitude credit card is no longer available for new applications. However, we’ve kept the information online for the benefit of existing customers and for those who are interested.

You can compare the current range of Westpac credit cards here.

The Westpac Altitude credit card allows cardholders to reward their spending with their choice of two rewards programs: Westpac Altitude Rewards or Qantas Frequent Flyer. In addition to reward points, new cardholders will receive every third Uber ride free, $20 maximum per ride, up to $250.

Benefits of the Westpac Altitude credit card

  • Uber offer. Receive every 1 in 3 Uber rides free, up to $250 until 31 August 2018. Maximum amount per ride is $20.
  • Rewards program. Westpac Altitude cardholders can opt to earn either Altitude Rewards or Qantas Points as they spend. If you choose Altitude Rewards, you can earn 2 points per dollar spent with the American Express card and 1 point per dollar spent with your Visa card, up to 5,000 points per statement period. Meanwhile, Qantas Frequent Flyers can earn 1 Qantas Point per $1 spent on Amex and 0.5 Qantas Points per $1 spent with the Visa, up to 2,500 points per statement period. You can also earn 1 bonus Qantas Point per $1 spent on select Qantas products and services.
  • Samsung Pay. You can link your card with Samsung Pay to make contactless payments at the checkout with your Samsung device.

Features of the Westpac Altitude credit card

Your Altitude Points never expire, so save up your points for that special trip or anything else you want.

  • Annual fee. This credit card attracts an annual fee of $100.
  • Purchase rate. This card has a purchase rate of 20.24% p.a.
  • Cash advance rate and fee. If you use the card for cash advances, such as ATM withdrawals, you'll be charged a cash advance fee of 2% of the value of the transaction or a minimum charge of $2.50 and the amount will attract a 20.74% p.a. cash advance interest rate.
  • Credit card protection. Credit Card Repayment Protection is an optional extra available to Westpac Altitude credit cardholders.
  • Additional cardholder. Get 1 additional cardholder for $0 p.a.
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46 Responses

  1. Default Gravatar
    ShannonSeptember 6, 2017

    I have altitude black card. What account number do I use to transfer money from other bank account to altitude account? Do I use card number or is there somewhere to access bsb and account for this account??

    • finder Customer Care
      MaySeptember 8, 2017Staff

      Hi Shannon,

      Thank you for your inquiry.

      If you are transferring funds to another Westpac account, you may do so by using online banking. Your account number should be used when transferring funds and that is different from the card number displayed in front of the card. You would need to follow the steps below to transfer funds:

      1. Sign in to Westpac Online Banking
      2. Select Payments from the menu
      3. Select Transfer funds from the drop down
      4. Select the account you want to transfer From and To
      5. Enter the amount in Payment details and click continue
      6. Click confirm on pop-up after checking all the details are correct

      In case you would need further assistance with funds transfer, please contact Westpac directly.


  2. Default Gravatar
    DanielleAugust 20, 2017

    Hi Patrick,

    Thank you for contacting finder. We are a comparison website and general information service, we’re more than happy to offer general advice.

    It’s not possible to transfer your points from one frequent flyer program to another because different programs have different terms and conditions surrounding how you earn points and what they can be spent on. However, it is possible to redeem your frequent flyer points for flights and rewards with another airline if it happens to be a ‘partner airline’ of your chosen flight provider. You may refer to this page for more information.

    I hope this helps.


  3. finder Customer Care
    MayFebruary 3, 2017Staff

    Hi Craig,

    Thank you for your inquiry.

    With Westpac Altitude credit card, you can choose to earn either Altitude Rewards Points or Qantas Points. If you opt into earning Qantas Points, you’ll get 1 point using AMEX card and 0.5 points with the Visa card per $1 spent on eligible purchases using your card.


  4. Default Gravatar
    AdeleNovember 5, 2016

    Hi! I have a Westpac Altitude American Express card and a Westpac Altitude Visa card. Are frequent flyer points automatically transferred to my Qantas frequent flyer or do I need to transfer the earned points myself? If they are not automatically transferred, how do I do this? Thank you.

    • finder Customer Care
      JasonNovember 5, 2016Staff

      Hi Adele,

      Thank you for your inquiry.

      It seems that you cannot transfer your Altitude points to your Qantas Frequent Flyer program account however you can request to opt in to Altitude Qantas and switch from Altitude Rewards program to Altitude Qantas. Once you’ve switched to Altitude Qantas, your Altitude Card will no longer earn Altitude Points and will earn Qantas Points instead as if it were an Altitude Qantas Card.

      Please click this link for information on how to transfer your Westpac Altitude points to other frequent flyer programs.


  5. Default Gravatar
    JackAugust 28, 2016

    Temporary residents need to apply through migrant banking. Could u explain this T&C for me pls. Can full-time 573visa student apply for this card? What is requirement for to apply this card? How to apply through migrant banking?

    • finder Customer Care
      MayAugust 29, 2016Staff

      Hi Jack,

      Thank you for your inquiry. Please note that you’ve come through to finder.com.au, not actually Westpac.

      Unfortunately, this Westpac Altitude Credit Card is only available for Australian citizens and permanent residents. I suggest that you contact Westpac’s Migrant Banking customer service team if you wish to apply for a Westpac credit card that is suitable to your current situation.

      Alternatively, you may like to read this article about credit cards available to temporary residents, which you may find useful.


  6. Default Gravatar
    RJJuly 26, 2016


    I have an Altitude Platinum Visa Already, this is connected to all other Westpac accounts. if for example I transfer $5000 from my Credit card to my savings account, what would be the charges?

    • finder Customer Care
      MayJuly 28, 2016Staff

      Hi RJ,

      Thanks for your inquiry.

      When you conduct a fund transfer from your credit card to a bank account, that is considered as a cash advance. Generally, a cash advance has fees and interest and will be charged to your account at the time you made the transaction. So for your Westpac Altitude Credit Card, you’ll be charged:

      Cash Advance Fee = 2% of the value of the transaction or a minimum charge of $2.50
      Cash advance interest rate = 20.74% p.a.

      Please feel free to read this article on what transactions are considered as cash advance.


  7. Default Gravatar
    janelleJuly 22, 2016

    i am an existing customer , can i upgrade to this card from the 55 day platinum ?

    • finder Customer Care
      LouJuly 22, 2016Staff

      Hi Janelle,

      Thanks for your question.

      If you are an existing Westpac credit card holder and would like to change into another Westpac card, this is possible by visiting a local branch, signing an online form or by calling them. I’ve sent you an email with Westpac contact number and link to the online form.


  8. Default Gravatar
    SonyaMay 25, 2016

    If I want to redeem my points as a credit card payment what are the points worth per dollar

    • finder Customer Care
      LouMay 25, 2016Staff

      Hi Sonya,

      Thanks for your question.

      I’ve checked with Westpac and unfortunately, the cashback option to redeem Westpac points is no longer available. We have already updated our Westpac Altitude Credit Card page regarding this.


  9. Default Gravatar
    MargaretDecember 4, 2015

    What is the minimum income to get a Westpac credit card

    • finder Customer Care
      SallyDecember 7, 2015Staff

      Hi Margaret,

      Thanks for your question.

      The Westpac Credit Card doesn’t advertise a minimum income. Instead, the application approval will be based on a number of factors including the credit history and income you provide.

      If you’d like to discuss your likelihood of acceptance before applying, you would benefit from getting in touch with the Westpac customer service team directly.



  10. Default Gravatar
    PaulNovember 12, 2015

    Hi ,

    If I have a cc with a bank can I get another cc with the same bank and use the balance transfer offer.


    • finder Customer Care
      SallyNovember 13, 2015Staff

      Hi Paul,

      Thanks for your question.

      Whether you can complete the balance transfer will depend on a few things. For example, Westpac only accepts balance transfers from up to 3 non-Westpac Australian issued credit, charge or store cards. The debt you’re transferring can be a minimum of $200 up to 95% of your approved credit limit. To take advantage of the promotional balance transfer, you’ll need to apply before 17 January 2016. Make sure to read the terms and conditions to confirm that you’re eligible to apply before submitting your application.



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